Ark Mortgage, Inc. mortgage approval rate & lending review
Ark Mortgage, Inc. decided 2,680 mortgage applications and funded 2,362 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ark Mortgage, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to arkmortgage.com.
Ark Mortgage, Inc. at a glance
Approval is 15.2 points above the 81.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 728 / 750 | 91% | $565K | 663 |
| Cash-out refinance | 97% | 232 / 238 | 92% | $335K | 213 |
| Refinance | 94% | 47 / 50 | 85% | $685K | 40 |
| Investment property purchase | 98% | 820 / 839 | 89% | $405K | 731 |
| Investment cash-out refinance | 96% | 424 / 440 | 93% | $425K | 395 |
| Investment refinance | 97% | 353 / 363 | 91% | $445K | 320 |
Ark Mortgage, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 98% | $545K | 1,483 | 1,309 |
| New Jersey | 97% | $425K | 934 | 832 |
| Pennsylvania | 96% | $405K | 105 | 99 |
| Florida | 95% | $415K | 83 | 70 |
| Illinois | 88% | $375K | 26 | 14 |
| Arizona | 95% | $255K | 22 | 17 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Ark Mortgage, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Orange County, NY | Investment property purchase | 99% | 179 | 166 |
| Orange County, NY | Mortgage lenders | 97% | 176 | 158 |
| Ocean County, NJ | Mortgage lenders | 97% | 171 | 152 |
| Ocean County, NJ | Investment property purchase | 99% | 168 | 152 |
| Rockland County, NY | Mortgage lenders | 98% | 147 | 136 |
| Rockland County, NY | Investment property purchase | 98% | 135 | 111 |
| Kings County, NY | Mortgage lenders | 99% | 94 | 79 |
| Orange County, NY | Investment cash-out refinance | 95% | 76 | 68 |
| Kings County, NY | Investment property purchase | 100% | 72 | 64 |
| Kings County, NY | Investment cash-out refinance | 94% | 72 | 63 |
| Ocean County, NJ | Cash-out refinance | 97% | 65 | 58 |
| Orange County, NY | Investment refinance | 98% | 58 | 55 |
The county markets where Ark Mortgage, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Ark Mortgage, Inc.
What is Ark Mortgage, Inc.'s mortgage approval rate?
Ark Mortgage, Inc. approved 97.2% of the 2,680 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.2 points above the 81.9% national rate for the same mix of loan types.
How often do borrowers take the loan Ark Mortgage, Inc. offers?
Borrowers accepted 91% of the loans Ark Mortgage, Inc. approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Ark Mortgage, Inc. make?
The typical investment property mortgage loan Ark Mortgage, Inc. made was $405K; across all loan types its typical loan ran from $335K to $685K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ark Mortgage, Inc. lend?
Ark Mortgage, Inc. decided applications in 9 of the states Fat Boy Data covers, most of them in New York, New Jersey and Pennsylvania.
Can I apply to Ark Mortgage, Inc. directly?
Yes. Ark Mortgage, Inc. reports as a direct lender that takes applications from borrowers. Its website is arkmortgage.com.
Does this page show Ark Mortgage, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Ark Mortgage, Inc. treats applications, then get a rate quote from the lender.